I can see owning the FZ1 and an N1K as a useful combination, one ready for long spirited rides to the Mountains, and one for your SE Ohio rides, but on the other hand, I can see why you would not want to own both, yes they are very similar once you take a closer look. The insurance rates can be adjusted correctly for the N1K, it took me a few phone calls, and some online work, but I did get my rates significantly lowered...Why the insurance companies are still listing the N1K as a ZX10R is ridiculous, now they know the difference, but refuse to correct it unless confronted. Have you taken a look at Scorpion for exhaust? I like the idea of not having to repack the exhaust, yet still getting good flow, and quality sound (as advertised anyway). I have not owned any products from Scorpion, so I am not sure if they are of the same quality & performance as the Arrow's, or the Leo's.